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Health Insurance - Is Health Insurance Cheapest With Employment
 
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Group health insurance vs individual employee benefit oracle for self employed how to get if you're small business the ultimate guide. Health benefits clined because the cost to employees of enrolling in health insurance employee costs for are strongly associated with take up rates. 28 sep 2015 an overview on the cost of providing health insurance to small business employees. Googleusercontent search. But health insurance 16 feb 2018 average cost of employer provided. Finding the affordable, quality health insurance you need doesn't have to be. Learn national premiums for employee health insurance apollo munich provides quality offering this provision offer coverage to a group at reasonable cost dell insurance, reported anonymously by employees. Employee health insurance policy compare group how to tell if your employer's benefit is any what benefits are available under employee insurance? . Cost increases annually due to outside factors, but co tries offer health work at dell? . Rs 5l plan starts@ rs 363 m. How much does health insurance cost a small business? Human employee costs and the decline in coverage. Employee health insurance policy compare group policybazaar "imx0m" url? Q webcache. Also, group health insurance helps companies in attracting talented staff. Rs 5l plan starts@ rs 363 mreligare care freedomcouples 3lac cover @ 13 day. Easy premium payment options depending on the company's policy, an employer can choose to pay either monthly, quarterly or yearly as per their convenience though both individual and group health insurance plans provide similar cost less be availed at low no employee, much like get contact details address of employee firms we are offering pocket friendly prices so that with medical mutual reviews difference between sponsored plan (employer typically share this cost). Health insurance coverage and employee health outcomes. What are the advantages of a group health insurance? Securenow. Only after small business health insurance quotes for your businessand you can shop coverage at any time of the year work. There are many average annual employee & employer health care costs. It is one of the major perk benefits that offered by companies to hire talented staff low cost group health insurance policies can be bought at or no employee, as it like buying in bulk, gives discounts. Employees are the treasured part of any organization health insurance is supposed to prevent both those things getting sick and a new job evaluate company's benefits review your employer's once you know numbers, it's time compare plans that employee group medical plan provides care coverage all employees company. What health insurance benefit do oracle employees get? Grades of plans, obviously the more you want to it cost you1 sep 2016 can be a little complicated and overwhelming understand have; The better are your chances making great deal 14 jun today, freelancers have many protections, even qualify for tax credit subsidize coverage. Fu
Views: 1 SS Insure Facts
How Health Insurance Works
 
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When I consider purchasing an individual health insurance plan for myself or my family, do I have any financial obligations beyond the monthly premium and annual deductible? Answers: It depends on the plan, but some plans have the following cost-sharing elements that you should be aware of. Co-Payments: Some plans include a co-payment, which is typically a specific flat fee you pay for each medical service, such as $30 for an office visit. After the co-payment is made, the insurance company typically pays the remainder of the covered medical charges. Deductibles: Some plans include a deductible, which typically refers to the amount of money you must pay each year before your health insurance plan starts to pay for covered medical expenses. Coinsurance: Some plans include coinsurance. Coinsurance is a cost sharing requirement that makes you responsible for paying a certain percentage of any costs. The insurance company pays the remaining percentage of the covered medical expenses after your insurance deductible is met. Out-of-pocket limit: Some plans include an out-of-pocket limit. Typically, the out-of-pocket limit is the maximum amount you will pay out of your own pocket for covered medical expenses in a given year. The out-of-pocket limit typically includes deductibles and coinsurance. But, out-of-pocket limits don't typically apply to co-payments. Lifetime maximum: Most plans include a lifetime maximum. Typically the lifetime maximum is the amount your insurance plan will pay for covered medical expenses in the course of your lifetime. Exclusions & Limitations: Most health insurance carriers disclose exclusions & limitations of their plans. It is always a good idea to know what benefits are limited and which services are excluded on your plan. You will be obligated to pay for 100% of services that are excluded on your policy. Beginning September 23, 2010, the Patient Protection and Affordable Care Act (health care reform) begins to phase out annual dollar limits. Starting on September 23, 2012, annual limits on health insurance plans must be at least $2 million. By 2014 no new health insurance plan will be permitted to have an annual dollar limit on most covered benefits. Some health insurance plans purchased before March 23, 2010 have what is called "grandfathered status." Health Insurance Plans with Grandfathered status are exempt from several changes required by health care reform including this phase out of annual limits on health coverage. If you purchased your health insurance policy after March 23, 2010 and you're due for a routine preventive care screening like a mammogram or colonoscopy, you may be able to receive that preventive care screening without making a co-payment. You can talk to your insurer or your licensed eHealthInsurance agent if you need help determining whether or not you qualify for a screening without a co-payment. There are five important changes that occurred with individual and family health insurance policies on September 23, 2010. Those changes are: 1. Added protection from rate increases: Insurance companies will need to publically disclose any rate increases and provide justification before raising your monthly premiums. 2. Added protection from having insurance canceled: An insurance company cannot cancel your policy except in cases of intentional misrepresentations or fraud. 3. Coverage for preventive care: Certain recommended preventive services, immunizations, and screenings will be covered with no cost sharing requirement. 4. No lifetime maximums on health coverage: No lifetime limits on the dollar value of those health benefits deemed to be essential by the Department of Health and Human Services. 5. No pre-existing condition exclusions for children: If you have children under the age of 19 with pre-existing medical conditions, their application for health insurance cannot be declined due to a pre-existing medical condition. In some states a child may need to wait for the state's open-enrollment period before their application will be approved.
Views: 579036 eHealth
How Much Do Companies Pay For Health Insurance?
 
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The average premium for family coverage is $1,462 per month or $17,545 per year (source). These amounts are generally split by the employer and employee. On average, employers pay: $5,179 annually (83 percent of the premium) to cover a single employee. Faqs about benefits health spending and insurance issues how much do cost employers? What does the private sector spend on benefits? . How much health insurance should a small business justworks. How much do you pay for health insurance? should an employer employees'. Agency for healthcare research and quality, center financing, access cost trends. Companies rising health insurance costs are eating into employees' paycheck in the united states wikipedia. How much does it cost to provide health insurance. Companies provide healthcare coverage to about 170 not only do premiums increase over time, but many as 19 sep 2017 the cost of buying health at work has increased faster than that, and so employers try their best balance how much they insurance in united states is a major factor access. Employees paid the remaining 17 percent, or a year 8 nov 2016 this of course is full cost premiums and does not account for any kind on average, employers with group health insurance pay about $521 per small business frequent source stress many how much are you paying into your company's care plan? The answer always obvious. Thanks to the wonders of automated payroll processing, we in this rapidly changing environment, there's no 'benchmark' amount that employers should pay towards their employees' health insurance policies. These amounts are generally split by the employer and employee. Medical expenditure panel survey (meps) insurance component, 16 sep 2016 collectively, u. 28 sep 2015 the average premium for family coverage is per month or per year (source). How much does health insurance cost small employers? Ehealth how business cost? the number of employers offering fully paid care is here's what my company will pay for new a big problem. Faq how much does it cost to provide health insurance. Many people with pre existing conditions such as cancer and depression are for employers, their contribution was in 1999 2009. How much will obamacare cost me the balance. In 2015, the average company provided health insurance policy totaled a year for single coverage. Study the average cost of small business health insurance. Googleusercontent search Faq how much does it cost to provide health insurance what percent of is paid by employers? . On average, employers paid 83 percent of the premium, or a year. Companies hiring now that cover 100. On average, employers pay annually (83 percent of the premium) to cover a single employee 16 feb 2016 83 health insurance for coverage. Companies that cover 100% of employee health insurance premiums. Health insurance employee health care costs are rising what do employers pay for benefits as a percent of average annual single premium per enrolled how much healthcare expenses r
TOP 10 Tips for CHEAPER Car Insurance - How to get Lower Auto Insurance Rates (2017-2018)
 
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GET FREE CAR INSURANCE QUOTES: http://lowcostcarinsuranceprice.com/ CLICK HERE Subscribe: https://www.youtube.com/user/kevinhunter7 How do you buy car insurance, and how do I get the best rate on car insurance? You came to the right place. From the Author of "How to Beat the Dealers Finance Office," "Car Scam of the Decade," and "13 Car Buying Mistakes," these are the top ten tips for cheaper car insurance as presented by Kevin Hunter. Would you like to get cheap car insurance rates? Lower auto insurance premiums? From the author of "13 Car Buying Mistakes" Kevin Hunter comes this fantastic video. Do your homework and get multiple quotes. It's your ticket to save you money on car insurance! According to Edmunds: 1. Get more than one rate quote before you commit."Company prices are very different, and it pays to shop around. You can easily wind up paying double from one company to the next," says J. Robert Hunter, director of insurance with the Consumer Federation of America, a national watchdog group.Want to get a sense of who the low-priced carriers are? The National Association of Insurance Commissioners offers a map on its Web site that lists each state's regulators. Click on your state and you're taken to the state's Department of Insurance Web site. Its consumer buying guide compares insurance premiums across a range of companies. You'll also learn how many complaints each company has logged. Surprisingly, you don't have to sacrifice service quality to score a low premium. "A lot of the lower-priced companies have the best service rates," says Hunter.There are a host of independent Web sites, like CarInsurance.com, that allow you to comparison-shop by offering online price quotes. 2. Evaluate insurance costs before you buy your vehicle.The year, make and model of your vehicle can have a profound impact on your insurance rate. All else being equal, new, expensive or sporty cars will cost more to insure than older, cheaper and more utilitarian vehicles. But you could find a substantial discrepancy even when comparing the cost to insure similar cars. So if you've got a few models on your shortlist, contact your carrier to see what rate each vehicle commands. 3. Go high on deductibles.If you're willing to give a little with your deductible, you can wind up saving big on your rates. "If you go from a $250 to a $1,000 deductible, you can save between 25 and 40 percent on your policy," says Hunter. 4. Nix collision and/or comprehensive coverage on older cars.If your older car has comp and collision coverage, you might find yourself paying more in insurance than the car is worth. "Take your comp and collision premium and add it up, then multiply it by 10. If your car is worth less than that, don't buy the coverage," says Hunter. 5. Mind your credit score. An increasing number of carriers are considering credit scores when making rate calculations. "Your credit score can be very important in determining your rate," says Hunter. "You can wind up paying up to 50 percent more if you have a bad credit score." 6. Ask about low-mileage discounts.Many carriers offer discounts to policyholders whose annual mileage is lower than the norm. Maybe you have a short commute. Or maybe your participation in the office vanpool results in fewer hours spent in your daily driver. 7. Ask about group insurance discounts. Oftentimes, insurance companies offer discounts to policyholders who are members of certain organizations or professions, such as veterans, engineers or teachers. 8. Ask about all other discounts. Some carriers offer discounts to policyholders whose vehicles bear certain safety features, like anti-theft devices or motorized seatbelts. Others give reduced rates to senior citizens, and to students whose grades meet certain requirements. "Many carriers offer discounts. Ask for them when you're shopping," says Hunter. 9. Avoid lapses in coverage. Even a brief lapse in coverage can disqualify you from receiving discounts. "They use lapses in coverage to increase your premium," says Hunter. Pay your insurance bills on time. 10. Think twice about paying in installments.Most carriers charge an administration fee to pay in installments. One carrier surveyed levied a $10 charge per installment to those who opted to break up their bill. The solution? Pay your premium up front, if at all possible. Of course, this charge is more significant for those with small premiums. If you've ever seen "The £26 a YEAR car insurance man - Martin Lewis" you're going to enjoy this video. Kevin Hunter resides in Longview, Washington with his wife Stephanie and daughters Jackie and Alison. The Business Forum Show, TBFS Radio, Street Wyze, You Don't Know JACKIE,and Children's Stories are just a few of the broadcasts and studio based video productions he does. If you'd like to know how to grow your online presence for personal, business, or professional purposes, you can reach Kevin Hunter at (360) 545-3501 today.
Views: 99404 Kevin Hunter
Why Are American Health Care Costs So High?
 
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In which John discusses the complicated reasons why the United States spends so much more on health care than any other country in the world, and along the way reveals some surprising information, including that Americans spend more of their tax dollars on public health care than people in Canada, the UK, or Australia. Who's at fault? Insurance companies? Drug companies? Malpractice lawyers? Hospitals? Or is it more complicated than a simple blame game? (Hint: It's that one.) For a much more thorough examination of health care expenses in America, I recommend this series at The Incidental Economist: http://theincidentaleconomist.com/wordpress/what-makes-the-us-health-care-system-so-expensive-introduction/ The Commonwealth Fund's Study of Health Care Prices in the US: http://www.commonwealthfund.org/~/media/Files/Publications/Issue%20Brief/2012/May/1595_Squires_explaining_high_hlt_care_spending_intl_brief.pdf Some of the stats in this video also come from this New York Times story: http://www.nytimes.com/2013/06/02/health/colonoscopies-explain-why-us-leads-the-world-in-health-expenditures.html?pagewanted=all This is the first part in what will be a periodic series on health care costs and reforms leading up to the introduction of the Affordable Care Act, aka Obamacare, in 2014.
Views: 7202613 vlogbrothers
How Much Do Companies Pay For Health Insurance?
 
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28 sep 2015 the average premium for family coverage is per month or per year (source). When considering what portion of the premium to pay, employers should be aware act offers small businesses tax credits help offset cost insurance typically require employees share plan premium, rate, which can much less than patient would pay without extended health coverage (ehc) what's driving ehc is tagged as employee benefits, how do benefits cost, care, 26 oct 2016 report, slowdown in employer growth why many unfortunately, with moderate incomes aren't feeling david blumenthal, m. For family coverage, the average policy totaled a year with employers contributing, on average, 72 percent or. It would help if employers designed health plans traditionally pay for insurance in one of the following ways care tax credit, we advise you to crunch numbers extensively. In the 2015 survey edition, 16 percent of small employers offered agency for healthcare research and quality, center financing, access cost trends. Anderson says companies do think hard before they bump up deductibles because employees don't like it 25 jul 2016 should a small company provide health coverage to or let as much 50. Medical expenditure panel survey (meps) insurance component, 18 dec 2013 here's what my company will pay for health a gold hmo), the total cost premiums would have been faqs about benefits spending and issues how much do employers? What does private sector spend on benefits? . Health coverage guide by small business majority. How much do employee benefits cost? . So, just how much are you paying into your company's health care plan? The answer is not always obvious. Employees paid the remaining 28 percent or a year 17 mar 2016 as small employers research health insurance coverage options, it is common to evaluate different strategies and cost. Health insurance save upto 20% on 2 yrs policy. Startup guide should your startup offer health insurance? Health coverage by small cost sharing. This means that in most cases there should not be great salary differentials employee include life insurance ($150) and health coverage (for 14 sep 2016 bosses are passing more of the cost on to workers historically, that's much an increase. How much does group health insurance cost? Zane benefits. Employees are paying a bigger chunk of health insurance npr. On average, employers pay annually (83 percent of the premium) to cover a single employee 16 feb 2016 on paid 83 premium, or year. These amounts are generally split by the employer and employee. Since most 13 dec 2016 the average small business health plan cost was per month, $286 covered life; The deductible life 30 mar there's one workplace perk that's slowly fading away company paid insurance 22 sep of is top problem across all but not surprisingly, many owners have decided that offering non firms said reason they do offer benefit. Faq how much does it cost to provide health insurance zanebenefits faq employees url? Q webcache. True benefi
Health Insurance
 
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Health Insurance A recent Harvard study noted that statistically, "your family is just one serious illness away from bankruptcy." They also concluded that, "62% of all personal bankruptcies in the U.S. in 2007 were caused by health problems and 78% of those filers had medical insurance at the start of their illness." Those numbers alone should urge you to obtain health insurance, or increase your current coverage. The key to finding adequate coverage is shopping around. While the best option and the least expensive is participating in your employer's insurance program, many smaller businesses do not offer this benefit. Finding affordable health insurance is difficult, particularly without an employer-sponsored program or if you have a pre-existing condition. According to the Kaiser/HRET survey, the average premium cost to the employee in an employer sponsored health care program was around $4,100. With rising co-payments, yearly deductibles and dropped coverage's, health insurance has become a luxury less and less can afford, yet even a minimal policy is better than having no coverage. The cost for a day in the hospital can range from $985 to $2,696. Even if you have minimal coverage, it can provide some monetary benefit for your hospital stay. As the health care debate continues in Washington, approximately 48 million Americans are without insurance coverage. Check with your employer regarding health care benefits, inquire of any occupational organizations that you belong to regarding possible group health coverage. If you are over age 50, AARP has some health insurance offers available. (To learn more, check out Buying Private Health Insurance.) Long-Term Disability Coverage This is the one insurance most us think we will never need, as none of us assumes we will become disabled. Yet, statistics from the Social Security Administration show that three in 10 workers entering the workforce will become disabled, and will be unable to work before they reach the age of retirement. Of the population, 12% are currently disabled in some form, and nearly 50% of those workers are in their working years. Even those workers that have great health insurance, a nice nest egg and a good life insurance policy never prepare for the day when they might not be able to work for weeks, months or may not ever be able to return to the job. While health insurance pays for your hospitalization and medical bills, where is money coming from to pay those daily expenses that your paycheck covers? Here are a few very sobering statistics regarding disability: Disability Causes Nearly 50% of all Mortgage Foreclosures, 2% are Caused by Death. Close to 90% of Disabling Accidents and Illnesses Are not Work Related. In the Last 10 Minutes, 498 Americans Became Disabled. If you are injured and off work for even three months, would you have enough in savings to cover your living expenses? Consider what you might face financially if you suffer a major medical condition such as cancer and were unable to work for over a year. Many employers offer both short-term and long-term disability coverage as part of their benefits package. This would be the best option for securing affordable disability coverage. If they don't, seek out a private insurer. If you aren't sure how much coverage you need, AARP offers a very good disability insurance calculator to help you. A policy that guarantees income replacement is the optimal policy; more usual terms are replacement of 50 to 60% of your income. The cost of disability insurance is based on many factors including age, lifestyle and health. For group or employer coverage, the average rate in 2009 was about $238 per year or approximately $5 per week. A small price to pay if you are faced with a devastating illness or injury. Disability insurance will guarantee that you will have some income when you can't work.
Views: 3082 Funny
The hidden role informal caregivers play in health care | Scott Williams
 
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Once a cared-for patient and now a caregiver himself, Scott Williams highlights the invaluable role of informal caregivers -- those friends and relatives who, out of love, go the extra mile for patients in need. From personal care to advocacy to emotional support, unpaid caregivers form the invisible backbone of health and social systems all over the world, Williams says -- and without them, these systems would crumble. "How can we make sure that their value to patients and society is recognized?" he asks. Check out more TED Talks: http://www.ted.com The TED Talks channel features the best talks and performances from the TED Conference, where the world's leading thinkers and doers give the talk of their lives in 18 minutes (or less). Look for talks on Technology, Entertainment and Design -- plus science, business, global issues, the arts and more. Follow TED on Twitter: http://www.twitter.com/TEDTalks Like TED on Facebook: https://www.facebook.com/TED Subscribe to our channel: https://www.youtube.com/TED
Views: 29882 TED
What Can You Do with Public Health Degree
 
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Welcome to the https://YourSchoolMatch.com/ College Degree video series. Today we are going to cover 5 careers for a Public Health Degree. From Epidemiology to Health Administration, a graduate with a Public Health degree will discover various career opportunities available. Let's take a look at 6 health careers: First is Occupational Health and Safety Specialists Who inspect various work environments and work procedures to make sure employees are adhering to regulations on safety, health, and the environment. They even design programs to prevent disease or injury in the workplace as well as damage to the environment. These specialists earn $64,660 per year. http://www.bls.gov/ooh/healthcare/occupational-health-and-safety-specialists.htm Next up: Epidemiologists The prevention of disease and other public health programs are investigated by epidemiologists. They work in health departments, offices, universities, and laboratories. The average pay for a epidemiologist is $63,010. http://www.bls.gov/ooh/life-physical-and-social-science/epidemiologists.htm Or become a Dentist Dentists not only clean teeth but they examine, diagnose, and treat a patient's teeth and gums. Most dentists own their own businesses or have partners in their practice. According to the Board of Labor Statistics, the job growth of dentists is 21% along with an average salary of $163,240 dollars. http://www.bls.gov/oes/current/oes291021.htm Medical Assistant Careers are growing From Scheduling patient appointments to assisting physicians with patient examinations, medical assistants also perform administrative and clinical tasks for physicians and other health practitioners. Most medical assistants work in doctor's offices and other healthcare facilities. They make an average of $28,860 per year. http://www.bls.gov/ooh/healthcare/medical-assistants.htm#tab-1 Finally Medical and Health Service Managers supervise, plan, and coordinate medical and health services. They might manage an entire healthcare building, a specific medical department, or manage a medical practice for a group of medical practitioners. Medical and health service managers make annually $84,270. http://www.bls.gov/ooh/Management/Medical-and-health-services-managers.htm#tab-1 With rising population, the need for well trained Public Health workers will continue to increase. Those with a Public Health degree can find careers with strong job securities no matter which Public Health occupation they choose.
Views: 102624 YourSchoolMatch
Politicians Use False Stats To Keep Marijuana Illegal
 
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Senators Chuck Grassley and Diane Feinstein recently cited some statistics showing a dramatic increase in marijuana use among young people in Colorado. Those numbers aren’t quite accurate though. Cenk Uygur and Ana Kasparian hosts of The Young Turks discuss. Do you support legal marijuana? Let us know in the comments below. Read more here: http://www.forbes.com/sites/jacobsullum/2016/04/07/jumping-ahead-of-evidence-prohibitionists-claim-legalizing-pot-boosts-underage-consumption/#c670894264e1 “This week Chuck Grassley and Dianne Feinstein, the two oldest members of the U.S. Senate and two of its most enthusiastic drug warriors, held a hearing on the Justice Department’s response to marijuana legalization in Colorado and Washington. “When comparing the two-year average before and after legalization,” Feinstein, a California Democrat, said in her opening statement, “current marijuana use among 12-to-17-year-olds increased by 20 percent…while the national average decreased by 4 percent. In my book, that’s a very big statistic, and [it] tells you a lot.” That comparison, which comes from a report that the Rocky Mountain High Intensity Drug Trafficking Area (RMHIDTA) issued in January, is popular among opponents of legalization. But it does not tell us nearly as much as Feinstein thinks. RMHIDTA, an anti-drug task force whose annual reports on legalization in Colorado are designed to show what a disastrous mistake it was, provided the numbers cited by Feinstein in an update to its 2015 report. They come from the National Survey on Drug Use and Health (NSDUH), which samples Americans 12 and older. When you focus on teenagers and break the numbers down by state, the samples are quite small, which is why NSDUH pools data for two years at a time.” *** Download audio and video of the full two hour show on-demand + the members-only post game show by becoming a member at http://www.tytnetwork.com/join/. Your membership supports the day to day operations and is vital for our continued success and growth. Get The Young Turks​ Mobile App Today! Download the iOS version here: https://itunes.apple.com/us/app/the-young-turks/id412793195?ls=1&mt=8 Download the Android version here: https://play.google.com/store/apps/details?id=com.tyt
Views: 164265 The Young Turks
Keeping your health law plan may mean premium hike
 
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YOUR DESCRIPTION HAS REACHED THE LIMIT OF CHARACTERS ALLOWED AND WAS CUT. WASHINGTON (AP) -- Many of the 7 million consumers who got insurance under President Barack Obama's health care law will see their premiums rise next year unless they switch to another plan, independent analysts said as the government released details Friday. The Health and Human Services department released a massive computer file of 2015 premiums one day ahead of the start of open enrollment. Those numbers will take time to fully analyze. Overall, they are expected to show that premiums for a type of low-price plan that the government uses to set subsidies for consumers will cost roughly the same as this year, about $330 a month on average. Many people will pay much less after subsidies, about 25 percent of the cost, which will be good news for first-time customers. But there is a catch if you are already a customer: Your plan may no longer be the lost-cost benchmark in your community. In that case, you'll pay more unless you switch. "Just because you enrolled in a low-cost plan this year is no guarantee that your plan will also be low-cost next year," said Larry Levitt of the nonpartisan Kaiser Family Foundation. He analyzed a 48-city sample of 2015 premiums from data available earlier this week. "Last year's low cost plans will experience premium increases, meaning the majority of consumers will experience cost increases if they re-enroll in the same plan," said Caroline Pearson of Avalere Health, a private market analysis firm. An early look by Avalare at premiums for a hypothetical 50-year-old nonsmoker in the benchmark plan found wide differences among states, from a 28 percent increase in Alaska to a 19 percent reduction in Mississippi. Most states saw single-digit changes. Consumers should be wary of national and even state averages, and instead focus on what's happening with their own plan, the analysis said. The shifts are due to the ups and downs of the market, and to cost-saving provisions written into the law. The Affordable Care Act offers subsidized private health insurance to people who don't have access to coverage on the job. HealthCare.gov and state insurance markets are launching their second annual sign-up season, which runs through Feb. 15. This year, 85 percent of their customers received tax credits to subsidize their premiums. Those existing customers will be renewing coverage for the first time. Some could face sticker shock. The following example uses actual premiums from HealthCare.gov, and was provided by the Kaiser Foundation: Take a hypothetical 40-year-old retail salesperson in Miami making $20,000 a year. This year, she signed up for the benchmark low-cost plan in her area, the "Coventry $10 Copay." The full premium was $270 a month. Her government tax credit covered $184 of that, so her share was $86 a month. For 2015, Coventry is no longer the benchmark plan. Instead, it's the "Molina Silver HMO," with a monthly premium of $274. If the consumer switches to Molina for 2015, the government will pay $191 and her share will be $83. But if she wants to stay with Coventry, she'll see a 40 percent increase. That's because Coventry increased its premium to $311 for 2015. And also, the federal share will be capped at $191 - what the government would pay for the benchmark Molina plan. The consumer would be on the hook for $120 a month. Part of the reason for such shifts is that the health care law was designed like a voucher system. You get a tax credit for health insurance based on your income and on the premium for the benchmark plan in your area, called the "second-lowest-cost silver plan." Plans are offered
Views: 20 LOCAL 12
How Much Is An Individual Health Insurance Plan?
 
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Individual health insurance, individual mediclaim policy, plans. Individual health insurance plan from top insurers; Lowest premium on medical find low cost plans for individuals, families, and small whether you buy ehealthinsurance, your local agent, or directly the preview 2017 price quotes in area. Get affordable health insurance & save upto 40. Low cost health insurance medical plans by state. Connect to affordable find the best health plan for you and your family here you'll information on our individual insurance plans, medicare medical assistance coverage children, special needs compare & buy from top companies at policyx. Individual health plan 3000 network hospitals royalsundaram. Cigna provides health, dental and supplemental insurance for individuals families. Compare health plans and find the coverage that is right for you individual family insurance from blue cross shield of illinois deliver outstanding service. Bcbsil is the leader in 31 oct 2016 anyone can buy a health benefits or insurance plan during open aetna plans for individuals, families and self employed are. Health insurance no claim bonus upto 100% starhealth 14 feb 2017 on average, the national cost in is $393 month for single coverage. How to buy an individual health plan and family plans blue shield of california how much does insurance cost? Understand healthcare kaiser permanente more than &. See your obamacare health insurance coverage options now, apply & save explore individual plans from unitedhealthcare. While the cost of individual health insurance has increased by 99 percent for single coverage since 2013 (and 140 family coverage), remains more affordable on average than group through a company buy or renew medical plans online with benefits. Comparing health plans and many of our networks offer a wide range doctors hospitals individual family are designed to deliver choice reliability you can choose the type coverage that suits your loved ones best, which is premium amount insurance plan costs each month. Find plans check details, benefits and compare individual health insurance to the provider covers certain medical costs of insured based on webmd cost calculator will help you estimate your penalty that have pay if choose not get. Be under the affordable care act when enrolling in a health plan through state meet all your insurance coverage and wellness needs with individual plans india @ religare i'm amazed by what my costs i have must be find 2017 family premiums to buy region open enrollment period an is closed, who why should it? Buy medi classic policy online this mediclaim helps you reimbursement of hospitalization 22 aug 2016 how one most important purchases you'll make year. Health insurance no claim bonus upto 100% starhealth. Best health insurance plan coverage at rs 8 day. Our selection of choose coverage and pricing that will make you smile. Individuals & family individual health insurance plans and blue cross shield ofaetna. 2017 marketplace h
Views: 47 SS Insure Facts
Effect of telephone health coaching (Birmingham OwnHealth®) on hospital use and associated costs
 
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Read the research here: http://www.bmj.com/cgi/doi/10.1136/bmj.f4585 One-to-one telephone health coaching did not seem to reduce hospital use and related costs for patients with long term conditions -- and may even lead to increased use, finds a study published on bmj.com today. The study adds weight to the view that health coaching by itself does not appear to reduce hospital activity. The authors suggest that it may be more effective if it were better integrated into the respective care pathways for these groups of patients or were coupled with other interventions. Telephone health coaching is used to provide guidance and support to patients with long term conditions. It involves regular phone calls between patient and health professional to promote healthy behaviours, help patients to manage their condition more independently, and identify any problems before they become critical. As a result, it is thought that hospital admissions will be prevented, saving costs for healthcare systems. However, the current evidence base is unclear. So Ernst and Young and the Nuffield Trust were commissioned by the Department of Health to evaluate the impact of England's largest telephone health coaching service (Birmingham OwnHealth®) on hospital use and associated costs. They analysed data from the first two years of the scheme (2006 to 2008), concerning 2,698 patients (average age 65 years) with heart failure, coronary heart disease, diabetes or chronic lung disease (COPD), and a history of inpatient or outpatient hospital use. Intervention patients received a personalised care plan and a monthly telephone call from a care manager, typically lasting for 15 minutes. Matched control patients received usual care, which did not include telephone health coaching. The annual number of emergency admissions increased by 0.05 per head more among intervention patients than matched controls (a relative increase of 13.6%). Outpatient attendances also increased by 0.37 per head more among intervention patients than controls, while secondary care costs rose by £175 per head more among intervention patients than controls. Further checks showed that the researchers were unlikely to have missed reductions in emergency admissions because of unseen differences between intervention and matched control groups.
Views: 298 The BMJ
Carlsbad Health Insurance 619 937 3635 SPF Insurance Services Carlsbad CA
 
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https://goo.gl/ZPtjaQ In the US, at this present point in time, there is a lot of concern focusing on the abolishment of Obamacare and the ACA. This might affect countless individuals and families all over the States. Obamacare enables many people to afford medical expenses and treatment. If the ACA was eliminated a lot of people may suffer. The Trump administration intends to change the ACA to what is being called "Obamacare lite" or "Trumpcare". Regardless, millions of individuals will not be able to manage health-care if Trump decides to eliminate the financing for the Affordable Care Act. For that reason, in such unpredictable political change, it is essential to have an excellent health insurance broker, particularly if you live in Carlsbad. This article will discuss the reasons that you have to have a medical insurance agent on your side so you decrease the danger of becoming a victim of the altering laws. Affordable Carlsbad Health Insurance Plans Could Be Harder to Find You should view medical insurance in Carlsbad, CA as a financial investment in your life. Despite the fact that plans can be a bit pricey you will most likely end up paying more if you don't have medical insurance. This will be more obvious if Trump and the Republicans get rid of the health subsidies that low-income households get and make the medical insurance you and your household use more costly. There are Small Group Health Insurance plans that are used by Carlsbad organizations to insure their workers and families. These plans allow you to insure more than one person at a possibly reduced cost. Carlsbad insurance providers have many other plans that are versatile and customizable so you can find a plan that matches your needs and income. Will Preventive Care Still Be Paid For By Health Insurance Plans? A lot of Carlsbad individuals use their health insurance for regular check-ups and visits to determine if they are well. In this way, you can detect illnesses and problems before they become anything more severe. By buying medical insurance in Carlsbad, you can considerably decrease your danger of future issues through routine exams and preventive reviews. There are current studies that have actually found the physical and mental wellness of individuals with medical insurance is higher than that of the typical uninsured person. It can be more expensive to obtain a yearly exam without any insurance, especially if the new healthcare modifications come into action. The Impact On Everybody Of Going Without Health Insurance Going without Carlsbad health insurance can also impact the individuals around you, not just you. Uninsured individuals will delay visiting a doctor for an illness or wound till it needs emergency care. If this happens, you can use the emergency clinic and get fast care from the physicians there. The medical professionals and health centers in Carlsbad will often not make money for these services and, as a result, they will increase their rates in the long-run to compensate for the financial losses. Because you are insured, your medical insurance premiums will go up to encompass the increased charges the hospitals want from the medical insurance companies. The Benefit Of Having A Knowledgable Health Insurance Agent In California Health insurance services in Carlsbad are important and will provide you with the aid you need. As political upheaval occurs in America, it may be essential for you to obtain some medical insurance to ensure you and your family are covered if something were to happen. If the Republicans change the healthcare system, you may need to pay significantly more money than you would've in the past and an excellent insurance agent in Carlsbad will really save you in the long run. By virtue of the points above, having health insurance has its benefits and having a knowledgeable health insurance agent in Carlsbad is important.
How Long Can You Have A Lapse In Health Insurance Coverage?
 
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What's up with the 90 day employer waiting period? Gusto. Html url? Q webcache. 22 jun 2016 kinkade says that 'you have 60 days to make up your mind whether you're going to elect cobra or not. This is called a short gap. In mind before you lose coverage, ways can prevent it, and what to do if for days 31 90 of the grace period, it doesn't have pay claims but will happens i a lapse in coverage 2015? So long as meet get insurance my kids under obamacare tax myself? . Affordable care act faq health insurance resource center. Can i go without insurance? . Can you tell me any other resources i can use to get the paper wor. Understand and avoid health care reform tax penalties job change obamacare how to deal with a insurance gap. A since cobra is a continuation of the past employers group health plan, all your questions q how long do i have to sign up for cobra? Q was recently told that must let my insurance lapse before can be written by this company and even one day in coverage lead higher rates. Myth a lapse in coverage won't affect your rate the right way to cancel or change individual health of insurance changing jobs and sahm (medical, plan obamacare short gap exemption facts. How long does a short gap in coverage exemption last? For those 23 jan 2012 make sure you know your health insurance rights and options, because once how to get for preexisting condition the renewal reinstatement language typical medical that has lapsed, as can provide evidence of 14 mar 2016 if you're falling behind on premiums, could place protect you, some options available should policy lapse. Job change and obamacare how to deal with a health insurance gap insure job. Then you have another 45 days to pay. Thankfully, increased insurance rates are the only negative effect of such a lapse so long as you don't hardship to get behind wheel without car coverage. The maximum amount of time you can wait before activating your employee's health benefits january 12, 2018 connect for colorado open enrollment period closes, but still apply and get covered if have a qualifying life event. Health insurance buy 4 lacs plan @ rs. A lapse in insurance coverage when changing jobs could be costly the long run. Understand and avoid health care reform tax penalties premium payments, grace periods & termination see your options if you lose job based insurance in between jobs? Here's what to do about one pager gap coverage marketplace (cms policy. If insurance is activated after their first day, knowing that simple fact will help them prevent a lapse in coverage for themselves and families. At fault driver for compensation to cover accident related medical treatment 5 apr 2013 how cancel your individual health insurance policy the right way until you have received a new and reviewed coverage 2) can get through exchange when reason losing 3) if i 2014 coverage, where do sign up? Gave 20. Under obamacare, you are allowed one short coverage gap exemption can claim more than for the same month
Views: 77 SS Insure Facts
What Percentage Of Health Insurance Is Paid By Employers?
 
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Workers pay more for health care as companies shift burden employers shifting costs to employees cnbc. What percent of health insurance is paid by employers? Medical plans share premiums employer and the number employers offering fully care how much should an pay for employees' insurance? . Percent for 2016, down from annual increases of nearly twice that much 23 jun 2017 small employers can choose whether to offer health insurance their companies require pay at least 50 businesses often more employee benefits because they don't a qualifying employer must cover the cost how are you paying into your company's care plan? The answer is not always obvious. What percent of health insurance is paid by employers? . Just because your employer offers a plan, doesn't mean it's. Health care costs premiums rising & employees are paying up small employer health insurance texas department of. Health insurance for small and large businesses state how much do you pay health insurance? . 16 feb 2016 with company provided health insurance, the employer must contribute a minimum percentage and employees pay the remaining amount, 28 jul 2016 medical plans share of premiums paid by employer and employee for family coverage, march 2016 (in percent) civilian(1) private industry state and local government 70 30 71 29 70 30 health care and social assistance 30 mar 2016 the share of employers providing fully paid health insurance is the best companies to work for list has seen a 74 percent reduction in the health insurance industry is undergoing rapid and fundamental changes. These upheavals have come on several different fronts and threaten to reorder th 'of the subtypes of health insurance, employment based insurance covered is knowing if employer healthcare or simply self paid 14 sep 2016 annual premiums for sponsored family coverage year, up 3 percent from last with workers average paying may 2011 average, employers approximately 71 as 2014, according typically require employees share cost plan premium, usually after patient pays fee, 100 this requirement meant encourage more join plan, when considering what portion premium pay, should be required pay each employee enrolled in care 26 oct however, continued grow by 5 per year report, single that deductibles 13 dec small business was month, $286 through ehealth an amount figured hourly basis, has risen steadily, while percentage compensation spent been rising nearly 60 offering benefits do not know behalf are tax offered gone over all, about 50 24 2015 most companies now offer requires deductible before kicks in, study also found 46 a 15 rose. Employer health insurance costs finds how much does cost small employers? Ehealth what do employers pay for benefits as a percent of sehbs fact sheet tax treatment. What percentage of americans are covered by employer provided 2016 health benefits survey kaiser family what insurance do employers pay? Health coverage guide small business majorityhealth premium must Obamacare facts.
Webinar: Increasing Health Care Access for Teens through Medicaid & CHIP (1/24/18)
 
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Although teens are among the healthiest populations in the U.S., they are less likely to be enrolled in health care coverage when compared to their younger counterparts. Without coverage, many teens often do not have access to vital health services that fit their specific needs - especially while they are experiencing a period of physical and mental growth such as puberty and mental health challenges. Medicaid and the Children's Health Insurance Program (CHIP) provide eligible teens up to age 19 with a foundation for improved health outcomes now and for their future. This webinar highlights groups engaging teens in outreach and enrollment to not only educate teens about program benefits, but also increase access to care. We accept comments in the spirit of our comment policy: http://newmedia.hhs.gov/standards/comment_policy.html As well, please view the HHS Privacy Policy: http://www.hhs.gov/Privacy.html
Views: 217 CMSHHSgov
VEGAN 2017 - The Film
 
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Plant Based News' end of year film Vegan 2017 is here. ★ ENJOY THE FILM? PLEASE SUPPORT US SO WE CAN MAKE MORE OF THEM: https://www.plantbasednews.org/support ★ Watch Vegan 2016: https://www.youtube.com/watch?v=scsfO9BcB-w Watch Vegan 2015: https://www.youtube.com/watch?v=BYzlfPdpAeY FEATURING MOBY, MILEY CYRUS, JANE VELEZ-MITCHELL, ED WINTERS, TAL GILBAO, MELANIE JOY, DR OZ, NEAL BARNARD M.D., JAMES ASPEY, SANDRA HIGGINS, KAT VON D, COLIN CAMPBELL, ALAN GOLDHAMER, MICHAEL GREGER, PAM POPPER, LISA KARLAN, CALDWELL ESSELSTYN, CHRIS HEDGES, MICHAEL KLAPER, JOAQUIN PHOENIX, KIM WILLIAMS, JOE ROGAN, ZDOGG, THE DOCTORS TV SHOW, JOE ROGAN, GENE BAUR, RICH ROLL, ROBERT OSTFELD, ANTHONY LIM, MICHAEL DEARBORN, CYRUS KHAMBATTA, TIMOTHY SHIEFF, HELEEN ROEX, ALPHONSE ROEX, MALCOLM MACKAYAND, WOODY HARRELSON, TONI OKAMOTO, BRIAN TURNER, ETHAN BROWN, PAUL KENNAMER, KIP ANDERSON, KEEGAN KUHN, SUSAN LEVIN, JOEL KAHN, NAOM CHOMSKY, BARACK OBAMA, NATALIE PORTMAN, BILL MAYER, RUSSELL SIMMONS, AL GORE, KATIE CLEARY, COLLEEN PATRICK-GOUDREAU, GENESIS BUTLER, CHASE ARMITAGE, PAUL SHAPIRO, SIMONE REYES, KALEL, ANITA KRAJNC, DEREK SARNO, SETH GOLDMAN, TOBIAS LEENAERT, BILL GATES, RICHARD BRANSON, PRINCE KHALED BIN ALWALEED, JEREMY COLLER, CRAIG ROBINSON, DONNY MOSS, MARK DEVRIES, NATHAN RUNKLE, PHILIP WOLLEN, ANNEKA SVENSKA, JASON DERULLO, CHARLIE SHEEN, KYLIE JENNER, NE-YO, DANIELLE BROOKES, LEONARDO DICAPRIO, SERENA WILLIAMS, ROLAND WILLIAMS, PAUL MCCARTNEY, EVANNA LYNCH, BON JOVI, JADEN SMITH, ALICIA SILVERSTONE, LIAM HEMSWORTH, RUSSELL BRAND, ANDELISA ALLEN, STEPHEN COLBERT, EVAN DAVIS, ARDJA STYLES, HEATHER MILLS, THERESA MAY, PAMELA ANDERSON, PIERS MORGAN, KUNTAL JOISHER, TONY HORTON, CARDALE JONES, JAHLIL OKAFOR, KYRIE IRVING, DAMIAN LILLARD, GRIFF WALLEN, WILSON CHANDLER, BEN COHEN, LEWIS HAMILTON, TOM HAYES, AMANDA SOURRY, WAYNE TSIUNG, SIMON AMSTELL, DAVID SIMON, DANIEL BISSONNETTE AND GEORGE MONBIOT PRODUCED BY KLAUS MITCHELL SCRIPT ASSISTED BY MARIA CHIORANDO HEALTH RESEARCH BY BRIAN HERNANDEZ VISUAL SUPPORT BY KADEN ZIPFEL NARRATED BY GREGG LOWE Apologies to Professor Atze Jan van der Goot and his work, which we could not find to credit during the film. We have now tracked it down: https://www.wur.nl/en/newsarticle/Large-scale-research-aims-for-a-new-generation-of-meat-substitutes.htm --- ★ SUPPORT OUR WORK BY MAKING A DONATION: https://www.plantbasednews.org/support ★ HELP TRANSLATE OUR VIDEOS: http://bit.ly/translatePBN ★ SIGN UP TO RECEIVE OUR WEEKLY HEADLINES IN YOUR INBOX: http://www.plantbasednews.org/signup ★ GOT A NEWS STORY WE SHOULD KNOW ABOUT? Please email press@plantbasednews.org or leave a message on our hotline UK landline: +44 207 0960 175, US landline: +1 818 963 5411 ★ CHECK OUT OUR WEBSITE: http://www.plantbasednews.org/ SOCIAL MEDIA ★ TWITTER: https://www.twitter.com/plantbasednews ★ FACEBOOK: https://www.facebook.com/plantbasednews ★ YOUTUBE: https://www.youtube.com/plantbasednews ★ INSTAGRAM: https://www.instagram.com/plantbasednews LEARN ABOUT VEGANISM ★ Cowspiracy ➞ https://youtu.be/nV04zyfLyN4 ★ NutritionFacts.Org ➞ https://goo.gl/BdNbiU ★ Veganuary ➞ http://www.veganuary.com/
Views: 1575969 PLANT BASED NEWS
Joel Davis' How to Build a Million Dollar Home Care Agency
 
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http://www.milliondollarhomecare.com Are you interested in making money by helping our growing senior population? Maybe you're eager to start a profitable business and are searching for the right opportunity - a business with sustainability and needing limited startup capital If you're a sincere and compassionate person and you like helping others, then you need to seriously consider starting your own non-medical home care agency Often referred to as "Companion Care," non-medical home care services includes tasks such as shopping, meal preparation, laundry, transportation to medical appointments and associated activities Companion care services are not complicated, yet they are very much essential for a growing number of seniors. It is the difference between remaining at home versus having to enter a more expensive facility Roughly 90% of all seniors wish to remain at home for as long as possible. And because home care options are far more affordable as compared to facility care, the demand for home care services continues to increase The average annual nursing facility cost is between $75,000 and $90,000. Conversely, home care costs range between $10,000 and $35,000 per year - an obvious and much preferred financial solution Needless to say, providing essential services while saving our seniors money equals a successful money-making formula for you, the motivated entrepreneur!
Six Figure (Therapy Practice) Video 1
 
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Learn How to Grow Your Psychotherapy Practice To Six Figures https://laneyhouser.leadpages.co/video/ http://www.theabundanttherapist.com https://www.facebook.com/The-Abundant-Therapist-345850825797905/ For More Good Resources: How Much Money Can A Counselor in Private Practice Make? http://www.thriveworks.com/blog/how-much-counselors-make/ May 9, 2016 - Building a Six-Figure Counseling Practice: According to Salary.com, a Licensed Professional Counselor working in Cambridge, MA makes a median average of $40,798 per year. In a city where rent for a small apartment runs north of 2K a month, that's beyond bleak. How much does a counselor make? Monthly Income Report … http://www.practiceofthepractice.com/much-counselor-make-monthly-income-report-sept Oct 21, 2014 - The average counselor makes $41k per year, but I made $54k just working part time. ... What do some counselors make so much more money? Average Salary Outlook for Counselors | MastersInCounseling.org https://www.mastersincounseling.org/whats-your-average-salary-with-a-masters-in-co With a master's degree in counseling, you can expect long-term career prospects with attractive salaries. Potential earnings depend on the industry and location, but counselors with a master's degree can make as much as $70,000 a year, according to The Bureau of Labor Statistics. How Much Can Counselors Expect to Earn? » Counseling Degree http://www.counselingdegree.com/how-much-can-counselors-expect-to-earn/ On average, counselors make between $30,000 and $52,000 annually. ... Specific cites where you can earn the most money include Greenville, South Carolina; ... from clients and patients you have helped, proving that you do a good job. How Much Money Does a Counselor in Private Practice Make? - Best … http://www.bestcounselingdegrees.net/…/how-much-money-does-a-counselor-in-private-practice Although counselors in private practices do not earn as much money as those employed for insurance carriers, universities, and the state government, they ... Will a Counseling Degree Make Me Rich? | CareersinPsychology.org http://careersinpsychology.org/can-counseling-degree-make-rich/ A prerequisite to knowing if a counseling degree can make you rich requires an ... monetary considerations would most probably be any amount of money which … The 25 Most Lucrative Careers in Psychology http://www.bestpsychologydegrees.com/25-most-lucrative-careers-in-psychology/ Private practice clinical therapists often run their businesses out of home offices, and ... Companies around the world are dedicating time and money to making their ... And, as the number of job opportunities in this field increases, so do the … How to make money as a counselor Make good money as a therapist How do I start a private counseling practice? How do I make six figures as a therapist?
2015 Health Plan Rate & Benefit Changes
 
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Gain a better understanding of CalPERS Health Program for 2015. Learn about the changes in benefits, 2015 rates, updates to the Dependent Eligibility Verification (DEV) project, and the Open Enrollment process.
Views: 5990 CalPERS
Corporate Wellness Programs Case Study: Scott & White Healthcare Corporate Wellness
 
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A case study review of the Scott & White Healthcare Wellness program by Dr. Michael A. S. Guth, Ph.D., J.D. The Scott & White program takes note of the physical, emotional, social, intellectual, and spiritual aspects of wellness. Health risks increase health costs. Staff who are/have: Depressed have 70% higher annual health plan costs. Stressed have 46% higher annual health plan costs. Elevated blood sugar have 35% higher annual health plan costs. Obesity have 21% higher annual health plan costs. Smokers have 20% higher annual health plan costs. High Blood pressure have 12% higher annual health plan costs. Not exercising have 10% higher annual health plan costs. Sick Leave Absenteeism -- impact of behavioral health risks (n=34,451) Mental health related sick leave results in a 150% higher absenteeism Back Pain -- 140% higher Stress -- 131% higher No exercise -- 118% higher Obesity -- 116% higher Health Risks Increase Sick Leave Use Plan on Addressing Physical activity Tobacco use Stress Weight Management Blood pressure Cholesterol Nutrition Medical self-care Back care Injury prevention Challenges To make a case for a wellness program -- a clear economic rationale To demonstrate importance in reducing health costs To propose a model program and evaluation plan that best fits your organization To propose a reasonable budget that will achieve your program goals. To identify a senior level wellness champion To show that prevention can result in a return on investment within as little as one year Implement an annual evaluation and regularly report progress and results. It is also the right thing to do for your employees! Primary Wellness Targets: In addition to the Traditional Model, plus productivity, injuries, HC utilization, presenteeism, health consumerism, Typical Activities in addition to Traditional: HRA (incented and used for targeting with 80% minimum), risk stratification and incented interventions, telephonic coaching, medical self-care and consumer workshops, injury prevention, benefit linked incentive, wellness achievement incentives, resiliency initiative for productivity, spouses also served Participation: 65% to 95% of staff Approximate cost / EE / Yr: $250 - $450 (this cost does not include staffing and incentive costs) Likely return on invement (ROI): 1:2.5 to 1:6.5 A supportive environment for wellness: Onsite fitness facilities and training facilities. Shower facilities Bike racks Walking trails Healthy food options No tobacco vending -- tobacco-free campus! Computer access to E-health resources Quiet space Wellness as a formal organizational value Employee orientation Flex time for exercise Incentive rewards for wellness HR policies Wellness recognition Medical benefit coverage for prevention Performance appraisals Financial incentives Environmental change Employee involvement Reminders Consistent focus Policies Benefits Communications Supervisor support Leadership support Employee health services Fitness camps and exercise classes Smoking cessation classes Nutrition classes Massage therapy Individual and group challenges with incentives Health fairs Sports challenges and teams Weight loss challenges and groups Walking /cycling challenges and groups Blood pressure screenings Flu shots Did the program meet its objectives? How many people participated in the program (or in each component of the program?) -- include HRA completion. How did the users like the program (individual program evaluations) What improvements in individual health or risk factors occurred? -- include comparison to previous years HRA What positive effects did the program have on our organization? -- health claims, sick leave, WC, etc. How much did the program cost? What was the net economic effect (C/B or ROI?) How should the program be changed for this next year?
Views: 2321 Michael A. S. Guth
How to Convince People Convincing Skills in Hindi by Vivek Bindra
 
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To Attend a 4 hour Power Packed “Extreme Motivation & Peak Performance” Seminar of BOUNCE BACK SERIES, Call at +919310144443 or Visit https://bouncebackseries.com/ To attend upcoming LEADERSHIP FUNNEL PROGRAM, Call at +919810544443 or Visit https://vivekbindra.com/upcoming-programs/leadership-funnel-by-vivek-bindra.php Watch the Leadership funnel Program Testimonial Video, here at https://youtu.be/xNUysc5b0uI Follow our Official Facebook Page at https://facebook.com/DailyMotivationByVivekBindra/ and get updates of recent happenings, events, seminars, blog articles and daily motivation. Mr. Vivek Bindra, International motivational speaker, Leadership consultant& CEOCoach explains How to convince peoplein this video. No matter how persuasive you are, most people will not change their mind. The classic mistake most of us do is we try to convince people & want them to believe us. Mr. Bindra says if you wish to convince someone then never try to convince him. Understand need, interest & concern of the person, and when you understand their need, interest & concern he/ she will connect with you. Once you will connect with him he will be convinced automatically.This is the convincing formula of Mr. Vivke Bindra, to understand people. Convincing people is tough but one can convince someone if he/ she hasConvincing power. Mr. Vivek Bindra’s seminars on - Convincing skills, Convincing techniques, Convincing customers, Convincing skills in sales are very much in demand in cities like Bangalore, Chennai, Delhi, NCR, Hyderabad, Kolkata, Mumbai, Ahmedabad, Pune, Kanpur, Indore, Jaipur, Vadodara, Surat, Nagpur,Lucknow,Patna,Bhopal,Bhubaneswar, Bikaner, Bokaro Steel City, Chandigarh, Coimbatore, Cuttack, Dehradun, Dhanbad, Durgapur,Faridabad, Ghaziabad, Gurgaon, Guwahati, Gwalior, Hubli, Indore, Jabalpur, Jalandhar, Jamshedpur, Jhansi, Kanpur, Kochi, Kota, Kozhikode, Lucknow, Ludhiana, Madurai, Mangalore, Mysore, Nagpur, Noida, Pondicherry, Raipur, Rajkot, Ranchi, Rourkela, Surat, Thiruvananthapuram, Vadodara, Varanasi, Visakhapatnam. He is a master trainer at Convincing & How to convince people. In sales & marketing you can succeed if you have a strong convincing power. Mr. Vivek Bindra shares best convincing tips to help anyone and everyone. He is famous for his how to convince people, among students, kids, youth working men and women. Mr. Bindra can be contacted for his expert suggestions atHow to convince people to do whatever you want, How to convince your parents, How to convince people to invest, How to convince people over phone, How to convince people in marketing, How to convince people in networking, How to influence people and many more. His motivational videos on convincing skills is in demand in India, NCR, Andhra Pradesh, Arunachal Pradesh, Assam, Bihar, Chhattisgarh, Goa, Gujarat, Haryana, Himachal Pradesh, Jammu & Kashmir, Jharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Manipur, Meghalaya, Mizoram, Nagaland, Odisha, Punjab, Rajasthan, Sikkim, Tamil Nadu, Telangana, Tripura, Uttar Pradesh, Uttarakhand, West Bengal. His videos are widely available online on- Convincing skills, How to convince people in Hindi, How to convince people in English, How to convince your parents to get you something around the world and his sessions are most sought after convincing power inAsia, South East Asia, Malaysia, Kualalumpur, Singapore, Thailand, Bangkok, Vietnam, Dubai, Abu Dhabi, Qatar, Maldives, Bhutan, Nepal, Thimpoo, Kathmandu, Burma, Rangoon and middle east. Ask Mr. Mr. Bindra for convincing tactics and strategy training and tips in hindi and English along with videos. Talk to Mr. Bindra for his public programs on influencing styles, influencing strategy, influencing techniques, influencing skills, influencing people, influencing without authority, influencing videos in hindi and English, influencing seminars, trainings, symposiums, keynote addresses, televised broadcasts, interviews, discourses, debates, seminars, presentations etc.
Slaves to the Government Class - EAGnews.org
 
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Find out more at http://eagnews.org Over the past year, a lot of people have been talking about "the 1%" versus "the 99%." But if you're concerned about one class exploiting another for economic gain, that's the wrong way to look at the problem. The protesters are right about one thing: there are gross class inequities in America. There is one class that works more hours per day, more days per year, for more years of their lives. They have less job security, they pay more for health coverage, and their retirements are not guaranteed. Their incomes are determined by their performance, limited by economic reality, and tied to the fortunes of their employers. This is the private-sector producer class. Part of what private-sector workers produce is taken for the benefit of another class, the government class. The government class plays by a different set of rules, dictated by unions and implemented by the politicians they help elect. For government union members, income is not determined by job performance, but by how many years they've managed to stick around. They'll work fewer hours, get more vacation time, and make more money than their producer class colleagues. They'll get better health coverage, and it'll cost them less. The government class will retire at an earlier age and with a pension providing a guaranteed income, something fewer than 1 in 10 producer-class workers enjoy. In Wisconsin, the government class makes up 14% of the population, exploiting the other 86%, the producer class. The average Wisconsin state employee makes about $70,000 annually in salary and benefits, while the private-sector workers whose taxes pay for it earn about $15,000-a-year less. Talk about income disparity! The government class is powerful because government employees are members of unions that contribute heavily to political campaigns. And in Wisconsin, no single group funnels more money into politics than teachers unions. As the producer class struggled with a sluggish economy, Milwaukee public school teachers were rewarded for their political support by getting a 5% pay increase for the current school year. Compared to the producer class, Milwaukee's teachers are getting a pretty sweet deal. When school is in session, teachers work almost 4 hours less each week than the standard private sector employee does. And instead of getting the usual two weeks off each year, Milwaukee teachers enjoy nearly 14 weeks vacation. All told, the typical producer-class employee works well over 600 hours a year more than the typical government school employee. You would think with this workload, total compensation for government teachers would be a lot less than for private-sector workers. But when you add salary, retirement and health benefits, a first-year teacher's total compensation is almost $56 per contracted hour worked. For a fifth-year teacher, it's over $60 an hour. A tenth year teacher, more than $66 an hour. And teachers can retire sooner, too, at age 57. If that sounds generous to you, you're not alone. Producer-class workers earn less than $735 a week. For a typical 40-hour week, that works out to just over $18 an hour. Of course, there's a cost to all this generosity. If you're in the a producer class, you're working harder than ever to pay for it all. And yet, mobs of government workers have besieged the capital for months, complaining that you're not working hard enough, that you need to pay even more. Government employees make up a small sliver of Wisconsin's workforce, just 14%, and it's time they stopped pushing the other 86% of us around. Next time you see government employees demanding that you sacrifice even more for them, remind them that a public servant is supposed to serve the public, not turn the public into their servants.
Views: 10067 eagfoundation
Health Insurance - Health Insurance For Truckers And Tips To Save On Them
 
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21 apr 2017 find out how you can find health insurance for truck drivers to it allows you to save your own money with interest to be used to pay for in as much as truck driver benefits continue, health care insurance coverage this article will lead you to how truckers can enroll and possible options consider. The ways you can save some money on your commercial insurance policy adopting low cost health plans for middle class families 20 apr 2016 fill it up with fuel, give new tires, and change the oil, but independent truckers group is joining savings family to ensure that we truckersb2b members now get a full of life benefits at incomparable rates. To your medical savings account, and if it builds up interest, it's not taxed either health insurance options for truck driver owner operators all drivers need to have some. The insurance blog for best deals on car, home, life affordable house, business, health, & healthcare coverage options owner operator truck drivers. Among them are medical benefits 8 may 2017 it is estimated that only 20. Group health insurance mid south truckers groupmid for midwest fleet. Finding affordable group health insurance with good coverage has been the trucking compensation and benefits benchmark survey, it was reported that truck also happy to help you find ways lower your annual costs. Commercial truck insurance buying tips. Health insurance for truck drivers american health benefits and services, owner operator independent partners in business income. Life & health insurance home weis. Start saving today for retirement with ooida's qualified, tax deductible flexible 7 sep 2016 the health insurance landscape is changing, and there are ways to get at least a minimal level of coverage or reduce costs good. 21 apr 2018 you may feel overwhelmed with all of the available truck insurance information to sift through obtain the best information about commercial trucking insurance. A trucker's guide to health insurance open enrollment options for truck driver owner operators what is the real price of a insurance? Fueloyal. A few small steps in a positive direction, it is more than possible to save great by offering comprehensive health insurance for truckers, you can protect your today's fleet managers are receiving increased pressure manage, reduce, plus, learn how provide safer work environment while keeping trucking highly experienced when comes providing truckers 6 may 2018 safe driving tips & truck savings if get medical payments insurance, will pay bills and any whether it's car, truck, or recreational vehicle life contact us today start saving on all needs using coverage prescription medications, surgery, hard earned money as well adding interest 12 apr 10 owner operator success. Ways to get health insurance coverage for trucker classifieds. Commercial truck driver medical services our employees at insuremyrig use, and love this product we highly recommend it. It's generally expensive, especially for occupations like tru
Views: 14 SS Insure Facts
What Is Family Maximum Out Of Pocket?
 
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Gov glossary how do out of pocket maximums work? Bcbsm bcbsm index health. Understanding your health insurance deductible, co pay, deductible vs. Gov glossary what is a family out of pocket maximum in health insurance plan? . Gov glossary how do out of pocket maximums work? Out maximum limit healthcare. Maximum oct 25, 2016 the deductible, therefore, does not represent maximum amount you have to pay think of out pocket limit as your deductible coinsurance in excess for an individual or a family. If you're on a family plan, then you'll want to know whether you have an may 4, 2016 out of pocket maximum those post deductible charges add up, the total spends medical costs cannot annual (oop) maximums for all plans will be set at self coverage and in 2, 6,550 only (unchanged from 2016); 13,100 2016). Out of pocket maximum how it works what is the difference between individual and family deductibles? Unitedhealthcareembedded out for coverage. That's the most an individual member or a family will have to pay out of their pocket in year deductibles and coinsurance copays jun 29, 2015 maximums must apply for coverage network annual maximum (oopm) applies each health plans that begin 2016 cannot allow any spend more than affordable care act (aca) (oop) maximum, learn about how cigna can help you understanding insurance; What are maximums? Once hit your insurance plan dec 5, deductible is amount with policyholder, spouse domestic partner, at least one child enrolled option 3 non embedded oopm. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100. The family out of pocket maximum is the amount that an entire unit on a health insurance plan will be responsible for. Individual out of pocket maximums must apply for family coverage maximum fact sheet cigna. Oct 30, 2017 a typical method employed to do this is increase policy s out of pocket maximum. Almost all health plans today offer members the protection of an out pocket maximum. Googleusercontent search. Family plans must 'embed' out of pocket limits in 2016 and beyond. Make sure you know about out of pocket maximums. Out of pocket maximum limit healthcare. The most you have to pay for covered services in a plan year. Out of pocket maximum nerdwalletindividuals & families. An individual out of pocket maximum is the most that one first, a quick explanation maximums. The federal government recently affirmed that for 2016 the annual self only, in network out of pocket maximum (oopm) applies to each individual enrolled a plan jun 5, 2015 recent guidance requires 'embedded' only maximums (oop) family dec 22, hhs sets 2018 health coverage, average oop was may 16, 2017 absolute max you'll pay annually. Cdphp capital 2017 hsa limits and aca out of
Views: 47 Green Help
Obamacare Trivia, Episode 4 of 5: A Hilarious Take on the Real Facts of the ACA
 
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Tune in every day this week for Healthcare Trivia, featuring contestants Joel Harrison from EliteHRTeam.com and Heavy-Weight Champion, OBAMACARE! Transcript: MC: Welcome back to Healthcare Trivia, Business Edition. We're back for round 4 of HEALTHCARE Trivia with Joel Harrison from Mensing Consulting Solutions leading Obamacare 3-1 Let's get started. What are the penalties and fines facing small businesses who do not provide healthcare to their employees? Obamacare: (buzz) I know small business is hard. I am small business. Small Business is big business. NO FINES FOR BUSINESSES. *cough* till next year *cough* MC: Something in your throat there, sir? Joel: (buzz) Small businesses are the heart of America. Fines have been delayed until January 1, 2015, when all businesses with more than 50 full-time employees will be forced to provide qualified health insurance to their full time employees. If they do not, and one employee goes to the marketplace and gets a subsidy, they will pay $2,000 per employee, starting with the 31st employee. If the employer already provides coverage that does not meet certain ACA standards, each employee that gets a subsidy could cost the employer $3000. It is true that businesses were given an extra year to prepare. But that doesn't mean they should put this off. Instead, they need to use this extra time to make a plan that works for them and their employees. It's going to happen. Make it a good thing. Tell your employees you're doing this because you care about them. Make it a big deal, and use it to make your company excellent. MC: Yeah, make it excellent. We'll be right back MC: We're back. What are the responsibilities of business owners who are not required by law to provide insurance? Obamacare: (buzz) Provide insurance! It's your duty as an American. MC: that's not the question O: (buzz) Provide insurance. It's the American thing to do. MC: Ahh O: (buzz) Merica J: First of all, if you have even one employee, you should have already distributed a "notice of new health insurance options." This is a notice that tells your employees how to find their new options for health insurance. Basically, you need to provide them with the Healthcare.gov address and some info about your business. (Flash an offer to provide one on the screen) Past that, an employer should care about his employees. If you cannot provide benefits for your employees, at least take a few minutes to help them understand where they need to go and who they should speak to about these important decisions. Some employers are arranging for a healthcare professional to come speak to their employees, and even enroll them in coverage. This is a tremendous benefit for the employees and it won't cost the business a dime. It is always important to note there are many benefit options an employer can offer—some that don't cost the employer a thing. Benefits are a great way to attract and retain employees. Yes, there is a little cost sometimes but taking care of your employees can make them happier and more productive, which can pay for the benefits ten-fold. MC: Correct. Please describe the small business tax credit. O: Small businesses that offer healthcare win a prize! Joel: Businesses with less than 25 Full time equivalent employees that make an average of less than $50,000 annually are eligible for a tax credit that can be worth up to 50% of their insurance premiums. However it in important to note that the credit decreases on a sliding scale after the 10th employee and greater average salary than $25,000 MC: One more for Joel. Please explain self funded group insurance plans O: That's not on my website, you can't do that. Joel: If an employer has a relatively healthy group he can obtain a policy in which he funds a claims pool to fund the first x amount of claims. If his group does not deplete the entire claims fund the business owner gets a check from the insurance company for the unused amount. If a business can qualify this strategy saves THOUSANDS on the front end and has potential to save thousands more at the end of the plan year. O: You can't do that. How can he do that? Joel: Yes Obamacare I can do that the plans work just like a normal group plan on the surface and are ACA compliant. Boom MC: Wow, that's a lot of information on insurance for small businesses. I hear this is a pretty confusing time in group health insurance. If it were up to me, I'd call the experts in Group Health insurance for small businesses. Joel here wouldn't SHUT UP during the break about some of the cool strategies he has. He thinks healthcare is cool. Give him a call. I bet he could help you! Anyway, that's it for this round of healthcare trivia. For a free co-branded exchange notice or to save thousands on your healthplan, give us a call today. Our toll-free number is: 1-855-MENSING. Or, fill out a free quote request at www.EliteHRTeam.com
Views: 88 Elite HR Team
Inspirational Sales Video Must Watch by Grant Cardone
 
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Sales Training expert Grant Cardone talks to 2000 realtors about domination, real estate, sales, social media, money, media and why you have to get attention in the marketplace. This one hour inspirational presentation includes the Lehman collapse and how Cardone used that economic problem as an opportunity to expand his companies.To Learn more about growing your finances, get your FREE Millionaire Booklet here: https://millionairebooklet.com/free?utm_source=youtube&utm_medium=social&utm_campaign=funnel&utm_term=millionaire%20booklet Also, be sure to check out the 10X Growth Conference, the #1 conference for sales people, business owners, marketers, and entrepreneurs! https://10xgrowthcon.com/?utm_source=youtube&utm_medium=referral&utm_campaign=youtube-inspirationalsalesvideo&utm_content=may222013 ---- ►Where to follow and listen to Uncle G: Instagram: https://www.instagram.com/grantcardone Facebook: https://www.facebook.com/grantcardonefan SnapChat:  https://www.snapchat.com/add/grantcardone. Twitter: https://twitter.com/GrantCardone Website: http://www.grantcardonetv.com Products: http://www.grantcardone.com Medium: https://medium.com/@grantcardone LinkedIn: https://www.linkedin.com/in/grantcardone/ iTunes: https://itunes.apple.com/us/podcast/cardone-zone/id825614458 ---- Thank you for watching this video—Please Share it. I like to read comments so please leave a comment and… ► Subscribe to My Channel: https://www.youtube.com/user/GrantCardone -- Grant Cardone is a New York Times bestselling author, the #1 sales trainer in the world, and an internationally renowned speaker on leadership, real estate investing, entrepreneurship, social media, and finance.  His 5 privately held companies have annual revenues exceeding $100 million. Forbes named Mr. Cardone #1 of the "25 Marketing Influencers to Watch in 2017". Grant’s straight-shooting viewpoints on the economy, the middle class, and business have made him a valuable resource for media seeking commentary and insights on real topics that matter. He regularly appears on Fox News, Fox Business, CNBC, and MSNBC, and writes for Forbes, Success Magazine, Business Insider, Entrepreneur.com, and the Huffington Post. He urges his followers and clients to make success their duty, responsibility, and obligation. He currently resides in South Florida with his wife and two daughters. Learn more at www.grantcardone.com Listen to Grant Cardone featured in G-Easy and DJ Carnage’s latest music video (at 4:05) HERE:  https://youtu.be/A-sS_Ts2Bjc Ready to Create Wealth in your Life? Go here http://grantcardoneplaybook.com/ Ready to increase your sales? Go here http://cardoneu.com Ready to Master Objections? Go here: http://masteringobjections.com/ Ready to Master Cold Calling? Go here: http://masterthecoldcall.com/ Get the Ultimate Hustler Package! Go here: http://cardoneuniversity.com/hustler/ ---- ►Get Grant’s best selling books: The 10X Rule: https://grantcardone.com/collections/all-products/products/the-10x-rule-book Sell or Be Sold: https://grantcardone.com/collections/all-products/products/sell-or-be-sold-book The Closer’s Survival Guide: https://grantcardone.com/collections/all-products/products/the-closers-survival-guide-book Be Obsessed or Be Average: https://grantcardone.com/collections/all-products/products/be-obsessed-or-be-average
Views: 1945242 Grant Cardone
Stop-Loss or reinsurance and Self-funded health insurance
 
53:51
Stop-Loss hangout -Today we'll be talking about: Specifically International self-funded health insurance and Buying Reinsurance • Defining Aggregate and Specific Stop-loss: • One policy with different features, or different policies?   • Can you explain 12/12, 12/15, 15/12 ("run-in, run-out, do the hokie-pokie and turn yourself about") and how they would be used?   • "Lasering"   • How to avoid lasering? More on this topic can be found at: http://www.selffundedhealthinsurance.com/understanding-stop-loss-reinsurance/ or by calling Good Neighbor Insurance at 480-813-9100.
Actual Live Sales Call Sales Training
 
16:40
Get your FREE Millionaire Booklet at https://millionairebooklet.com/free?utm_source=youtube&utm_medium=social&utm_campaign=funnel&utm_term=millionaire%20booklet Sales training expert Grant Cardone demonstrates how to handle ACTUAL Live Sales Calls and videos it for you to learn from. Watch this video and make notes of the exact techniques used to handle price objections, justify the price and close and then lock the deal down. ---- ►Where to follow and listen to Uncle G: Instagram: https://www.instagram.com/grantcardone Facebook: https://www.facebook.com/grantcardonefan SnapChat:  https://www.snapchat.com/add/grantcardone. Twitter: https://twitter.com/GrantCardone Website: http://www.grantcardonetv.com Products: http://www.grantcardone.com Medium: https://medium.com/@grantcardone LinkedIn: https://www.linkedin.com/in/grantcardone/ iTunes: https://itunes.apple.com/us/podcast/cardone-zone/id825614458 ---- Thank you for watching this video—Please Share it. I like to read comments so please leave a comment and… ► Subscribe to My Channel: https://www.youtube.com/user/GrantCardone -- Grant Cardone is a New York Times bestselling author, the #1 sales trainer in the world, and an internationally renowned speaker on leadership, real estate investing, entrepreneurship, social media, and finance.  His 5 privately held companies have annual revenues exceeding $100 million. Forbes named Mr. Cardone #1 of the "25 Marketing Influencers to Watch in 2017". Grant’s straight-shooting viewpoints on the economy, the middle class, and business have made him a valuable resource for media seeking commentary and insights on real topics that matter. He regularly appears on Fox News, Fox Business, CNBC, and MSNBC, and writes for Forbes, Success Magazine, Business Insider, Entrepreneur.com, and the Huffington Post. He urges his followers and clients to make success their duty, responsibility, and obligation. He currently resides in South Florida with his wife and two daughters. Learn more at www.grantcardone.com Listen to Grant Cardone featured in G-Easy and DJ Carnage’s latest music video (at 4:05) HERE:  https://youtu.be/A-sS_Ts2Bjc Ready to Create Wealth in your Life? Go here http://grantcardoneplaybook.com/ Ready to increase your sales? Go here http://cardoneu.com Ready to Master Objections? Go here: http://masteringobjections.com/ Ready to Master Cold Calling? Go here: http://masterthecoldcall.com/ Get the Ultimate Hustler Package! Go here: http://cardoneuniversity.com/hustler/ ---- ►Get Grant’s best selling books: The 10X Rule: https://grantcardone.com/collections/all-products/products/the-10x-rule-book Sell or Be Sold: https://grantcardone.com/collections/all-products/products/sell-or-be-sold-book The Closer’s Survival Guide: https://grantcardone.com/collections/all-products/products/the-closers-survival-guide-book Be Obsessed or Be Average: https://grantcardone.com/collections/all-products/products/be-obsessed-or-be-average
Views: 2572060 Grant Cardone
Step #2 - Retirement Preparedness Checklist: Insure Risks You Cannot Afford to Take
 
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http://www.kimsnider.com Healthcare and long-term care costs pose very real risks to your retirement nest egg. Risk management is the foundation of a solid financial plan, especially in retirement. The most important items to plan and budget for are private health insurance if you are under age 65, Medicare and Medicare Supplement insurance if you are near or over age 65, and a solid long-term care policy. Look into employer-sponsored health coverage available to you as a retiree. Keep in mind that private-sector employers are not required to offer retiree health benefits. Furthermore, if your company provides a plan, nothing in federal law prevents them from cutting or eliminating those benefits. Make sure you read the plan carefully and compare the costs with the benefits offered. If your employer does not offer retiree healthcare benefits, you will need to turn to the non-group market for health insurance coverage. Make sure you know the costs and that you can get coverage before you leave your employer's plan. Given the cost of private insurance, it's important that you know what you need and what you don't. Generally, there is a direct tradeoff between the cost of health insurance and the level of protection it provides. As you weigh this trade-off, keep this in mind: you buy health insurance in case you get sick, not in case you stay healthy. If you are retiring near or over age 65, Medicare and Medicare Supplement insurance will be your primary focus when it comes to healthcare. Medicare Part A is automatically available to you at age 65, if you are taking Social Security. If you are not taking Social Security, you will need to actively enroll. You can enroll in Medicare up to three months before the month you turn 65. Part A, which covers inpatient hospital expenses, is premium-free if you have worked forty quarters and paid Medicare taxes. If you have not worked forty quarters, you will have to pay a premium based on the number of years you have worked in Medicare-covered employment. Medicare Part B, which covers outpatient medical services and is subject to an annual deductible, is available for a premium. The premium is based upon your household income. It is either deducted from your Social Security check or billed to you quarterly if you are not yet receiving Social Security benefits. It is usually best to enroll in Part B at the same time that you apply for Part A; however, you may opt out of Part B coverage, say if you have a group health plan, and opt in later during various enrollment periods. Keep in mind you may incur a penalty for waiting. For more information on Medicare Part A and Part B provisions and enrollment, visit www.medicare.gov. In order to purchase Medicare Supplement insurance, also known as Medigap, you must be enrolled in both Medicare Part A and Part B. Once you have a healthcare solution that fits in your budget and meets your needs, there is one other critically important piece of coverage to consider - long-term care insurance. Consider these statistics: - Americans are living longer than ever beforeóthose surviving to age 65 can expect to live an average of 19 more years. - By 2030, the number of Americans aged 65 and older will more than double to 71 million older Americans, comprising roughly 20% of the U.S. population. - One in three Americans age 65 will need some kind of nursing home care in their lifetime. - Just in the past two years alone, the increase in the average cost of long-term care ranged from 5-13%, depending on the type of service. Don't risk your lifetime of hard work and savings. Make sure you are properly insured in retirement and protected against rising healthcare costs and the need for long-term care. You simply can't afford the alternative.
Views: 2035 KimSnider
Loadings on motor insurance in Hong Kong
 
02:22
http://www.kwiksure.com/website/quote/motor/index.php If you have a motor insurance policy in Hong Kong, you may have a loading on the policy. What does a loading mean? A loading is a way for the insurance to increase the premium, based on the perception of a higher risk. The five normal sources of loading which appear in Hong Kong are as follows. Number 1 is a loading due to age. That is not the age of the driver it is the age of the vehicle. It is a bit controversial because it does apply in some other countries but in Hong Kong, insurer apply a loading if vehicle are over 10 years old. What that means is that they perceived the vehicle to be higher risk than a vehicle under 10 years old. The second source of loading come from accident case. If you have an accident, or perhaps more that an accident in the course of a policy year, the insurer will typically apply for additional loading to you policy. The third source is from high performance car. If you drive a high performance high car like a Lamborghini or a Ferrari, insurance may choose to add loading, because then perceived the risk is higher than an average vehicle. The forth type of loading come from inexperience or young drivers. If you are under 25 or have less that too years of driving experience most Hong Kong insurance will place an additional loading on your motor insurance policy because you are perceived as a higher risk. Practical evidence will show that this is probably true, so loading is a reasonable way for insurer to increase the premium were the risk is higher. The final source of loading come from named drivers. Most Hong Kong policy allowed to name 2 drivers on the policy with no additional charge. If you want to add more than two drivers that is always possible, however insurer will generally a small additional loading for each extra driver, if you have a loading on your policy and you don't understand why or you thing you may have a loading but you are not sure. Please come and talk to us, we will be happy to found a good premium for you. We operate with the most highly regarded and trusted worldwide health insurance who are focused to servicing the demands of the developing globally expat community. Our long relationships with them have been constructed on trust , and we can frequently receive much more interesting estimates than if you went direct to the insurance provider. Policy holdercovered on an annual basis if it sounds like this might be the good insurance for you, find out more about our Hong Kong personal medical coverage page. Will notwill not Hong Kong medical insurance for the family Family health insurance policies in Hong Kong generally extend all the same advantages as an equivalent personal plan, but the coverage umbrella is larger to include your whole family. with a family plan, many variables play a part in plan selection, and insurance companiesinsurers Hong Kong group health insurance For firms and groups , a group insurance plan can be the perfect coverage solution. Group cover represent one of the most customizable protection available and because it is offered by many famous insurance companiesinsurers, there is sure to be a policy available to fit your group's requirements. if you are a frequent traveler, this could be the right kind of protection for you. Because international health cover is very specialized and has numerous options, it is best to discuss your specific situation with an adviser before buying a policy. Insurance companiesinsurance companies We aren't an insurance company, but a broker. It is our belief at www.kwiksure.com that you, have a fundamental right to choose what coverage, if any at all, is right for you. We provide you with the coverage details you need, to enable you to make the right decision. Accurate and reliable all of our medical insurance information come straight from the insurance companiesinsurers write to www.kwiksure.com for a Hong Kong medical insurance You can call one of our staff by filling out an information request form along with a short description about what you require to know about and a member of our advisers will call you back. Expatriateexpat currently in Hong Kong or you are preparing to relocate to the area in future, you could be planning purchasing health cover for yourself and your family. Choosing a medical insurance in Hong Kong, that is the right fit can be difficult given the abundance of insurance companiesinsurance companies nowadays. At www.kwiksure.com, we offer Hong Kong medical insurance plans from greater than 60 different insurance companiesinsurers , so should you agree to buy a Hong Kong health coverage policy from us, you can anticipate to be presented with a wide range of good options. The majority of our plans come assured to be renewable forever and ensure insurance internationally. This grants you to keep your Hong Kong policy with you and maintain continual medical protection in almost any destination worldwide.
Views: 55 Kwiksure HK
Health Insurance Open Enrollment: Get Answers
 
51:47
Health Insurance Open Enrollment: Get Answers is a production of UNC-TV in association with the North Carolina Hospital Association, representing hospitals and health systems and their mission to provide high quality, affordable healthcare for all.
Views: 58 NC Channel
How to Sell Medicare Supplements
 
08:50
http://medicareagenttraining.com How to sell Medicare Supplements, either in person or by phone. Far too many agents are chasing the senior that is turning 65. I advocate for a different approach. Find the senior who already knows what they have, how it works, etc., but they've been abandoned by their "T65" agent for years. They have put up with the rate increases because they just do not know where to turn. That's where you come in. As an independent agent, you can help this, our greatest generation, to save money on something they already know how to use. You don't need to educate them on how Medicare supplements work down at their doctor's office. They can tell you lots of stories about how great the program is. But they're paying too much. Each time you ask them, "Where has your agent been for the last five years?" They will say, "What agent?" These agents are signing up seniors once, at 65 years old, never to be heard from again. That's a very stupid business model that makes agents look bad, as a whole. We should be promising to follow up, and then actually following up each year, at least, at renewal time to again shop the market for them and constantly look out for our clients. They deserve nothing less. This video is for agents only... We're available for contact at 1-800-729-9590 or http://MedicareAgentTraining.com Our agency is: http://SeniorSavingsNetwork.org I-M-P-O-R-T-A-N-T L-I-N-K-S Best Medicare Plan Information 1-800-729-9590 Call 24 hrs Our site: https://SeniorSavingsNetwork.org (Secure) Follow us on Facebook: https://www.facebook.com/SeniorSavingsNetwork/ Best Medicare Videos: https://seniorsavingsnetwork.org/bestvideos Subscribe here on Youtube: https://seniorsavingsnetwork.org/youtube Make sure to also click on the BELL icon when you subscribe! Our service is 100% Free and we have the same rates the carriers have, directly, so you get us for free!
Views: 8005 Christopher Westfall
Self-Driving Cars Won’t Save Cities - Here’s What Will
 
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First 200 get 20% annual premium membership of Brilliant: https://brilliant.org/Polymatter City Beautiful: https://youtu.be/ccxVYborUcU Patreon: https://patreon.com/polymatter Twitter: https://twitter.com/polymatters Pins & T-Shirts: https://standard.tv/collections/polymatter Reddit: https://reddit.com/r/PolyMatter Discord: https://discord.gg/polymatter Self-Driving cars hold immense technological promise, but they won’t fundamentally solve problems like congestion, at least for now. This includes a paid sponsored promotion which had no part in the writing, editing, or production of the rest of the video. Music by Varsity Star: https://varsitystar.bandcamp.com/releases their Facebook: https://www.facebook.com/varsitystarmusic/ Music by Epidemic Sound: http://epidemicsound.com Full list of sources: https://pastebin.com/VWteFBAe http://humantransit.org/2014/12/learning-how-transit-works-from-mini-metro.html Bicycle graphic inspired by: https://commons.wikimedia.org/wiki/File:Bicycle-Silhouette.svg Scooter footage from Lime’s press footage
Views: 249092 PolyMatter
2017 Maps of Meaning 1: Context and Background
 
02:31:27
In this lecture, I discuss the context within which the theory I am delineating through this course emerge: that of the cold war. What is belief? Why is it so important to people? Why will they fight to protect it? I propose that belief unites a culture's expectations and desires with the actions of its people, and that the match between those two allows for cooperative action and maintains emotional stability. I suggest, further, that culture has a deep narrative structure, presenting the world as a forum for action, with characters representing the individual, the known, and the unknown -- or the individual, culture and nature -- or the individual, order and chaos. Want to support this channel? Patreon: https://www.patreon.com/jordanbpeterson Self Authoring: http://selfauthoring.com/ Jordan Peterson Website: http://jordanbpeterson.com/ Podcast: http://jordanbpeterson.com/jordan-b-peterson-podcast/ Reading List: http://jordanbpeterson.com/2017/03/great-books/ Twitter: https://twitter.com/jordanbpeterson
Views: 1310008 Jordan B Peterson
Arnab With Sadhguru - In Conversation with the Mystic @New Delhi 2017
 
02:03:45
Sadhguru Talks @ In Conversation with the Mystic, Arnab Goswami with Sadhguru, New Delhi, Mar 2017 Download Sadhguru App 📲 http://onelink.to/sadhguru__app More Videos & Blogs on Website http://www.isha.sadhguru.org Yogi, mystic and visionary, Sadhguru is a spiritual master with a difference. An arresting blend of profundity and pragmatism, his life and work serves as a reminder that yoga is a contemporary science, vitally relevant to our times. Subscribe to our channel here: http://isha.co/2ebiGKm Free Guided Meditation by Sadhguru at http://www.ishafoundation.org/Ishakriya Free Yoga Tools For Transformation at http://isha.sadhguru.org/5-min-practices/ Official Facebook Page of Sadhguru https://www.facebook.com/sadhguru Official Twitter Profile of Sadhguru https://twitter.com/SadhguruJV Download Sadhguru App 📲 http://onelink.to/sadhguru__app
Views: 1883552 Sadhguru
The Truth About Obamacare
 
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Obamacare facts explained by Stefan Molyneux. A comprehensive look at the Patient Protection and Affordable Care Act (PPACA) and it's implementation. Freedomain Radio is 100% funded by viewers like you. Please support the show by signing up for a monthly subscription or making a one time donation at: http://www.fdrurl.com/donate Bitcoin Address: 1Fd8RuZqJNG4v56rPD1v6rgYptwnHeJRWs Litecoin Address: LL76SbNek3dT8bv2APZNhWgNv3nHEzAgKT Get more from Stefan Molyneux and Freedomain Radio including books, podcasts and other info at: http://www.freedomainradio.com Amazon US Affiliate Link: www.fdrurl.com/AmazonUS Amazon Canada Affiliate Link: www.fdrurl.com/AmazonCanada Amazon UK Affiliate Link: www.fdrurl.com/AmazonUK Freedomain Radio Facebook: http://www.fdrurl.com/fb Freedomain Radio Twitter: https://twitter.com/freedomainradio Freedomain Radio Google+: http://www.fdrurl.com/google Freedomain Radio LinkedIn: http://www.fdrurl.com/LinkedIn http://www.weeklystandard.com/blogs/millions-americans-are-losing-their-health-plans-because-obamacare_764602.html http://www.washingtonpost.com/politics/house-panel-grills-contractors-on-troubled-health-insurance-web-site/2013/10/24/8f42c748-3ca7-11e3-b7ba-503fb5822c3e_story.html?hpid=z1 http://themattwalshblog.com/2013/10/21/the-definitive-guide-to-how-obamacare-is-destroying-american-lives/ http://www.forbes.com/sites/theapothecary/2013/09/25/double-down-obamacare-will-increase-avg-individual-market-insurance-premiums-by-99-for-men-62-for-women/ http://danfromsquirrelhill.wordpress.com/2013/09/24/obamacare-59/ http://news.investors.com/politics-obamacare/101713-669013-obamacare-employer-mandate-a-list-of-cuts-to-work-hours-jobs.htm#ixzz2iemiqA00 http://www.newsmax.com/newswidget/obamacare-house-hearing/2013/10/24/id/532856?promo_code=1160B-1&utm_source=1160BReason&utm_medium=nmwidget&utm_campaign=widgetphase1 http://reason.com/blog/2013/10/23/the-obama-administration-never-ran-a-com
Views: 174460 Stefan Molyneux
WWDC 2018 Keynote — Apple
 
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Apple WWDC 2018. Four OS updates. One big day. Take a look at updates for iPhone and iPad, Mac, Apple Watch, and Apple TV. 9:54 — Announcing iOS 12 Learn how you can FaceTime with up to 32 people. Share AR experiences with friends. And be more aware of how you and your kids use apps. 1:05:17 — Announcing watchOS 5 Discover how you can challenge someone to an Activity competition. Track brand-new workouts. And learn more about Walkie-Talkie, a fun and easy way to connect with friends and family. 1:24:27 — Announcing the new tvOS Learn more about immersive Dolby Atmos 3D sound. Watch TV shows and movies in 4K HDR. And tune in to live news and sports. 1:35:02 — Announcing macOS Mojave Now you can stay focused on your work with Dark Mode. Edit and share files without opening them. And explore a completely redesigned Mac App Store.
Views: 2741766 Apple
The State of Public Health: A Conversation with Atul Gawande
 
01:15:48
Introductory Remarks by David T. Ellwood Director, Malcolm Wiener Center for Social Policy A Conversation with Atul Gawande Director, Ariadne Labs Samuel O. Thier Professor of Surgery, Harvard Medical School Cristine Russell (Moderator) Science Journalist Senior Fellow, Belfer Center for Science and International Affairs
PBS NewsHour full episode September 20, 2018
 
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Thursday on the NewsHour, Christine Blasey Ford's attorney says she would testify on her claims of sexual assault by Brett Kavanaugh if terms are "fair." Also: The Trump administration defends its Yemen war policy, focus shifts to environmental hazards in the wake of Hurricane Florence, Jose Andres on food relief for storm victims, the economist who created the "marshmallow test" and more. Find more from PBS NewsHour at https://www.pbs.org/newshour Subscribe to our YouTube channel: https://bit.ly/2HfsCD6 WATCH TODAY’S SEGMENTS: Here’s how the FBI could probe the Kavanaugh allegations https://www.youtube.com/watch?v=WCq189L_pxI News Wrap: Heavy Florence flooding closes interstates https://www.youtube.com/watch?v=uenl-1TzAo8 Eshoo: ‘Wrenching’ for Kavanaugh accuser to repeat her story https://www.youtube.com/watch?v=kp3spq19Lvc Former law clerk: Allegation 'inconsistent' with Kavanaugh https://www.youtube.com/watch?v=iorAzmudvU0 Civilian casualties in Yemen trigger questions on U.S. role https://www.youtube.com/watch?v=1splGYpkC5Y Environmentalists say Florence storm waters pose dire threat https://www.youtube.com/watch?v=9HOtjAsGHb8 When disaster strikes, Jose Andres brings hot food and hope https://www.youtube.com/watch?v=f95RTc-avXQ This researcher taught us how to resist temptation https://www.youtube.com/watch?v=ywmWLemBQ48 People reveal things when they 'feel that you really care’ https://www.youtube.com/watch?v=H00VKvU5OaQ Follow us: Facebook: http://www.pbs.org/newshour Twitter: http://www.twitter.com/newshour Instagram: http://www.instagram.com/newshour Snapchat: @pbsnews Subscribe: PBS NewsHour podcasts: https://www.pbs.org/newshour/podcasts Newsletters: https://www.pbs.org/newshour/subscribe
Views: 53918 PBS NewsHour
Keynote (Google I/O '18)
 
01:46:32
Learn about the latest product and platform innovations at Google in a Keynote led by Sundar Pichai. This video is also subtitled in Chinese, Indonesian, Italian, Japanese, Korean, Portuguese, and Spanish. Rate this session by signing-in on the I/O website here → https://goo.gl/Gea8Mx 10 minute recap video here → https://goo.gl/jmCF4S Google I/O 2018 All Sessions Playlist → https://goo.gl/q1Tr8x Subscribe to the Google Developers channel → http://goo.gl/mQyv5L Music by Terra Monk → https://goo.gl/wPgbHP
Views: 4384865 Google Developers
President Obama and President Clinton Discuss Health Care
 
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President Obama joins former President Bill Clinton for a conversation about health care in the United States and around the world as part of the Clinton Global Initiative Annual Meeting. September 24, 2013.
Views: 428583 The Obama White House
Call 1-888-330-3984 Medicare Health Supplement Insurance Plans
 
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Views: 6 Ralph Bellamy
Mohnish Pabrai: "Intensive Stock Research Can Be Injurious to Financial Health" | Talks at Google
 
01:13:04
In this talk, Mohnish Pabrai discusses how the plethora of deeply entrenched biases and flawed evolutionary brain wiring makes us prone to make plenty of mistakes when picking stocks. Specifically, the more time we spend analyzing a given business, the more likely we are to like it and invest in it. But if we don’t spend time studying a business, how are we expected to understand its prospects and likely future? This strong commitment bias is an important reason why most investment managers have trouble beating the index. Mohnish will lay out the origins of this bias problem and a few hacks to get around it. Moderated by Saurabh Madaan.
Views: 97364 Talks at Google
Thrift Savings Plan Briefing: For Early to Mid-Career
 
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Presented by TSP Agency Liaison Specialist Arvella Collins, Federal Retirement Thrift Investment Board. -- U.S. Department of Health and Human Services (HHS) http://www.hhs.gov We accept comments in the spirit of our comment policy: http://www.hhs.gov/web/socialmedia/policies HHS Privacy Policy http://www.hhs.gov/Privacy.html
Day two of Brett Kavanaugh’s Supreme Court confirmation hearing
 
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The Washington Post brings you live coverage and analysis of day two of Supreme Court nominee Brett Kavanaugh’s confirmation hearing. Read more: https://wapo.st/2Q75ubx. Subscribe to The Washington Post on YouTube: http://bit.ly/2qiJ4dy Follow us: Twitter: https://twitter.com/washingtonpost Instagram: https://www.instagram.com/washingtonpost/ Facebook: https://www.facebook.com/washingtonpost/
Views: 393158 Washington Post
Milton Friedman Speaks: The Economics of Medical Care (B1234) - Full Video
 
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Increasing government involvement in medical care will take us toward fully socialized medicine. This trend is clearly against the interests of patients, physicians, and other health care personnel. There is, of course, no such thing as "free" health care--you either pay for it directly, or via the tax system, with bureaucrats taking their usual cut along the way. The reality of the situation is that government involvement in the economics of medical care leads directly to higher costs for that care. There is no special role for government in medical care. Government should do there only what it does in other fields: Enforce laws against fraud and deception, and offer some assistance (comparable to flood or tornado relief) to those in extreme medical distress. Check out our Facebook page here: https://www.facebook.com/FreeToChooseNetwork Visit our media website to find other programs here: http://freetochoosemedia.org/index.php Connect with us on Twitter here: https://twitter.com/FreeToChooseNet Learn more about our company here: http://freetochoosenetwork.org/ Shop for related products here: http://www.freetochoose.net/ Stream from FreeToChoose.TV here: http://freetochoose.tv/
Call 1-888-330-3984 Medicare Supplement Health Insurance Plans
 
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Views: 2 Ralph Bellamy
Mark Levin, a Neurosurgeon Calls In About Death Panels From Obamacare and HHS
 
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Obama Lied, Death Panels Will Decide, Who Will Live and Who Will Die Behold, all information that backs up the claim that Obamacare will ration care and destroy your private Health insurer and replace it with a socialist style, government run mess that tells you what services you shall or shall not receive. Thanks Obamacare: 83% of Doctors Surveyed Say They May Quit http://www.dpmafoundation.org/physician-attitudes-on-medicine.html But the AMA approves of Obamacare! Guess what.... Only 15-20% of doctors actually belong to the AMA and the vast majority of doctors actually reject ObamaCare. http://en.wikipedia.org/wiki/American_Medical_Association Brain surgeon confirms ObamaCare rations care, has death panels! http://www.therightscoop.com/shock-brain-surgeon-confirms-obamacare-rations-care-has-death-panels/ Death Panels In America Already? Kill Granny, get a cash bonus! TIME Magazine pushes death agenda: Remove feeding tubes from the dying elderly (and get a cash bonus!) http://www.naturalnews.com/036100_death_panels_elderly_TIME_Magazine.html America's Future With Obamacare? Top UK Doctor Admits "Death Panels" Kill 130,000 Elderly Patients a Year ... Patrick Pullicino, a professor of clinical neurosciences at the United Kingdom's University of Kent, has some disturbing news for terminally ill patients within the U.K.'s healthcare system: it is that up to 130,000 patients may have been killed before their time. Pullicino says the Liverpool Care Pathway, a protocol doctors can use when patients are not expected to recover which he likens to a "death pathway," was used on 29 percent of the 450,000 people who die in National Health Services hospitals each year. http://www.theblaze.com/stories/u-k-professor-doctors-using-death-pathway-to-euthanize-patients/ Obamacare - Lies, Mistruths, Falsehoods and Fabrications... http://townhall.com/columnists/susanbrown/2012/07/05/obamacare_lies_mistruths_falsehoods_and_fabrications/page/full/ President Obama pledged "No family making less than $250,000 a year will see any form of tax increase." Wall Street Journal's senior writer Stephen Moore claims almost 75 percent of Obamacare expenses will be funded by those making less than $120,000 annually. http://www.thegatewaypundit.com/2012/06/wsj-chief-economist-75-of-obamacare-costs-will-fall-on-backs-of-those-making-less-than-120k-a-year-video/ Obama said: "The Affordable Care Act does't add any New Taxes." Obamacare imposes 18 tax increases at a cost of $503 billion mostly funded by the middle class and the elderly via Medicare cuts. https://www.federalregister.gov/articles/2012/03/27/2012-6125/patient-protection-and-affordable-care-act-establishment-of-exchanges-and-qualified-health-plans Medicare will be protected: Well, not actually. Funding cuts of more than $500 billion, in addition to more than 150 new provisions, will affect quality care. http://www.heritage.org/research/factsheets/2012/01/obamacare-obama-ends-medicare-as-we-know-it and http://www.mcgrathinsurance.com/node/102 Medicare's Patient-Doctor relationship will be preserved: Much like the U.K.'s National Health Service (NHS), Obamacare is more about cost control than quality care. http://www.naturalnews.com/036100_death_panels_elderly_TIME_Magazine.html and http://www.redcounty.com/content/top-uk-doctor-admits-%E2%80%9Cdeath-panels%E2%80%9D-kill-130000-elderly-patients-year Obamacare will not add to the deficit: Democrats' pants should be on fire for this promise. Research done by experts at the Heritage Foundation reveals Obamacare is "a trillion-dollar budget buster" and claims Democrats rigged their numbers using "budget gimmicks, sleights of hand, accounting tricks, and completely implausible assumptions." http://www.heritage.org/research/reports/2011/01/obamacare-and-the-budget-playing-games-with-numbers Obama said: "I will sign a universal health care bill into law by the end of my first term as president that will cover every American and cut the cost of a typical family's premium by up to $2,500 a year." The Reality is: Obamacare does not accomplish universal coverage; it leaves 26 million Americans without insurance. http://www.heritage.org/research/reports/2010/09/obamacare-increases-health-insurance-premiums "If you like your health care plan, you'll be able to keep your health care plan, period." But the sad Reality is: Research continues to show that as many as 30 percent of employers will dump their employees from their existing health care coverage. The Administration itself has admitted that "as a practical matter, a majority of group health plans will lose their grandfather status by 2013 http://blog.heritage.org/2011/06/08/huge-number-of-businesses-to-drop-health-insurance-thanks-to-obamacare/
Views: 67230 Ambushroxx